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Buying a home is likely one of the biggest financial commitments you'll ever undertake. Achieving the "American Dream" certainly is a big step and you'll want to have a trusted partner like State Bank to help guide you along the way.
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Do you plan to own your home for many more years? Do you like the predictability of knowing how much your house payment will be each month? If so, a Fixed-Rate Mortgage is the option for you. Your interest rate and monthly payments stay the same for the life of the loan. This is also a good option for people who don’t plan to refinance.
Individuals who expect to stay in their homes over shorter terms or who prefer a lower initial rate may choose an Adjustable Rate Mortgage. With an ARM, your interest rate and monthly payments can fluctuate over time. ARM’s are tied to an index – usually U.S. Treasury Bills – and have adjustment Periods that determine when and how often the interest rate can change. The adjustment caps determine how high or low the rate can go with each adjustment and over the life of the loan.
Contact a Mortgage Specialist to find out which option is best for you.
Want to build a new home? Talk with us first. Our Permanent Construction Mortgage Loan is designed to save you time and money by including both the lot and the home that’s being built. That means you make interest-only payments while the home is under construction. Once the home is built, your loan automatically converts to monthly principal and interest payments. You only pay closing costs once.
Need a new roof? Remodeling your kitchen? Ask about our Home Improvement Loans. We can customize a loan to fit your needs and budget.
If the loan amount is above the conforming limit of $453,100.00 (in most parts of the U.S.) you may need a Jumbo Loan. They’re designed specifically for high-value properties.
Talk with one of our mortgage experts to see if this is the best option for you.
If you’re ready to buy a home, there are a wide range of government programs that can provide help.
The Veteran’s Administration (VA) provides home loans for qualified veterans. Refinancing options, too. Contact us to get started.
The Federal Housing Administration (FHA) provides home loans to low-to-moderate income families. Borrowers must meet eligibility requirements to qualify.
The U.S. Department of Agriculture Rural Development works to improve the economy and quality of life in rural America. They support economic development, infrastructure improvements, housing initiatives, and more.
We provide exclusive mortgage programs for medical professionals who want to purchase or refinance a home. Talk with one of our mortgage experts to see if you qualify for this program and discover the benefits.
Buying a home can be a very exciting and overwhelming process, especially if it’s your first time buying a home. Our mortgage experts will walk you through the process.
Are you hoping to buy a new home while trying to sell your current home? Consider a Bridge Loan from State Bank. We use the equity in your current home for a down payment to purchase the new home. You get the flexibility to pay “interest only” for up to 12 months on your current home, while making regular monthly principal plus interest payments on your new home.
You finally found the perfect piece of land to build your retirement home or maybe a vacation home. Whatever your vision for that perfect parcel, we can help you finance it.
Learn about these and other loan options and see which one is right for you.
Making the dream of homeownership a reality for more low-to-moderate income buyers.